Key Takeaways
- Equipment financing allows H-2B entrepreneurs to acquire the machinery that unlocks new revenue
- Bankable finances equipment for landscaping, construction, cleaning, food processing, healthcare, and all other industries
- Equipment serves as collateral — typically resulting in better rates than unsecured financing
- SBA 2026 rule eliminated non-citizen business owners from SBA equipment financing programs
- 48-hour approvals for most equipment financing applications
Equipment: The Growth Bottleneck for H-2B Entrepreneur Businesses
For most H-2B entrepreneur businesses, equipment is the single largest growth bottleneck. The landscaping company that needs a second commercial mower to take on a second commercial account. The cleaning company that needs a floor buffer to bid on commercial janitorial contracts. The construction contractor that needs a skid steer to bid on larger site preparation jobs. The auto repair shop that needs a fourth lift to reduce wait times and increase revenue per day.
Equipment financing solves these bottlenecks by letting the equipment purchase itself. Because the equipment serves as collateral, rates and terms are typically better than unsecured financing. No green card required — your business revenue and the equipment's appraised value are the primary underwriting criteria.
Equipment Categories Bankable Finances
- Landscaping equipment: Commercial mowers, irrigation equipment, trailers, blowers, and trenchers.
- Construction equipment: Excavators, skid steers, compactors, concrete mixers, and cranes.
- Commercial vehicles: Box trucks, flatbeds, refrigerated vans, service vans, and specialty vehicles.
- Restaurant and food service: Commercial ovens, refrigerators, fryers, hood systems, and POS systems.
- Medical and dental: Diagnostic imaging, dental chairs, laboratory equipment, and specialty treatment systems.
- Manufacturing: CNC machines, production equipment, and industrial machinery.
Equipment Financing
$25K–$2M. Equipment serves as collateral. Better rates than unsecured financing.
Learn More →Equipment Leasing
Preserve cash flow with equipment leasing options for high-depreciation or technology equipment.
Apply →Revenue-Based + Equipment
Combine equipment financing with revenue-based working capital for a comprehensive facility.
Apply Now →Frequently Asked Questions
Yes. Bankable provides equipment financing regardless of the owner's immigration status. The equipment's value and your business revenue are the primary criteria.
We finance landscaping equipment, construction machinery, commercial vehicles, restaurant equipment, medical equipment, dental equipment, manufacturing machinery, and virtually any business equipment with appraised value.
Equipment financing uses the equipment as collateral. This typically results in lower interest rates, longer repayment terms, and larger available amounts compared to unsecured revenue-based financing.
Yes. Both new and used equipment can be financed. Used equipment appraisals determine the maximum financing amount.
Equipment financing ranges from $25,000 to $2,000,000 depending on the equipment's appraised value, your business revenue, and cash flow.
The 2026 SBA rule eliminated non-citizen business owners from SBA programs including SBA 7(a) and 504 equipment financing. Bankable is private capital with no citizenship requirement.
Six months of business bank statements, your EIN, equipment invoice or description, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Equipment financing may take 3–7 business days to fund after approval due to equipment verification.